First, does it count as a second suite if the first suite is sold and then bought?
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. The identification method of the second suite mainly includes:
1, the first thing is to see if there has been any lending behavior. For those who have bought a house in full or borrowed from relatives and friends before, when applying for a loan to buy a house from a bank, it is regarded as the first home loan; For the existing housing loan, applying for a loan again will be regarded as the second suite.
2. Take the family as the unit, that is, you need to check the loan purchase situation of yourself, spouse and minor children in the personal credit information system. If any of them has a record of buying a house with a loan, you will also be regarded as a second suite when applying for a loan to buy a house.
3, including provident fund loans and commercial personal housing loans. That is, those who have applied for provident fund loans or commercial personal housing loans before, and those who apply for loans to buy a house again are regarded as second suites. However, those who applied for commercial personal loans such as personal commercial housing loans and personal comprehensive consumer loans before, and those who applied for loans to buy housing, shall be implemented in accordance with the first set of housing loan policies.
4. Including settled and outstanding loans. In other words, those who have a record of buying a house loan, whether they settle down or not, and apply for a loan to buy a house again, will be regarded as the second suite.
Second, it does not belong to the second suite.
Subject to the registration of property rights. For households with registered residence who already own 1 apartment within the administrative area of this Municipality, and non-registered households who can provide proof of personal income tax payment or social insurance payment within the administrative area of this Municipality for more than 1 year, the purchase of 1 apartment (including new commercial housing and second-hand housing) is restricted in five urban areas. For households with registered residence in this Municipality who already own two or more houses, households with non-registered residence in this Municipality who own 1 houses and above, and households with non-registered residence in this Municipality who cannot provide the tax payment certificate or social insurance payment certificate of this Municipality 1 year or above, the sale of houses to them will be suspended in five urban areas.
Second, Zhengzhou purchase restriction conditions and purchase qualifications 202 1?
Zhengzhou housing qualifications Housing qualifications include:
1. When buying a house in Zhengzhou, families with non-Zhengzhou household registration need to provide tax payment certificates or social insurance payment certificates that have paid personal income tax in Zhengzhou for more than two years (including two years).
2. Talents who do not belong to Zhengzhou hukou want to buy a house. Under the same conditions, the personal income tax payment certificate or social insurance payment certificate will not be reviewed for the first set of self-occupied housing purchased by talented families who do not belong to Zhengzhou hukou. Other aspects such as purchase restriction, loan restriction and sales restriction are still implemented in accordance with Zhengzhou's regulatory policies.
Attention, buyers, you must understand the relevant policies before buying a house, prepare relevant information in advance, and buy a house immediately after the conditions are met.
Third, what do you mean by purchase restriction?
Purchase restriction of commercial housing: the purchase restriction order of commercial housing is a policy issued by the government to control people's investment in real estate. Mainly to restrict people from buying two houses and investors from speculating in real estate, with the aim of controlling the rise in housing prices. The purchase restriction of commercial housing is a policy issued by the government to control people's investment in real estate. After Beijing (document No.201010) issued the new property market policy, many cities in China began to issue restrictions on the purchase of commercial housing to control the rise in housing prices. Guangzhou Commodity House Purchase Restriction Order Guangzhou Municipal Bureau of Land and Housing Management officially announced the Guangzhou Purchase Restriction Order in the morning of June 65438+1October 65438+May. Among the four measures to regulate the secondary property market announced by Guangzhou, registered families and permanent non-registered families can only buy a new house, the down payment for the second home loan is not less than 50%, the third and above home loans are completely stopped, and the housing provident fund is simultaneously implemented with differentiated credit policies. Huang Wenbo, deputy director of Guangzhou Municipal Bureau of Land and Housing Management, said at the press conference that according to the recent real estate operation in Guangzhou and the macro-control policies of five ministries and commissions in the State Council, in order to consolidate the achievements of real estate control and resolutely curb the excessive rise of housing prices, we, together with the People's Bank of China, the Provincial Banking Regulatory Bureau and the Local Taxation Bureau, will implement the macro-control policies of the Ministry of Housing and Urban-Rural Development to promote the sustained and healthy development of the real estate market in our city, and announce relevant opinions to the media, including four aspects: First, resolutely curb unreasonable housing demand and resolutely limit real estate speculation. The main measures are: first, registered families and permanent non-registered families. Family members include husband and wife and children. Permanent residence refers to the tax payment certificate and social security certificate provided in this city for more than one year. Non-registered permanent households can only buy one set of commercial housing. Secondly, non-registered foreign families cannot buy commercial housing in this city. Thirdly, people under the age of 18 cannot buy commercial housing alone. Iv. Housing for overseas institutions and individuals shall be implemented in strict accordance with the relevant policies of the Ministry of Housing and Urban-Rural Development and other departments in document 2006 17 1. The second is to strictly implement the national differentiated housing credit policy. The down payment ratio of the second mortgage of commercial banks shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the basic interest rate; It is forbidden to increase loans before the full mortgage; At the same time, housing provident fund will be different. The down payment ratio for the purchase of affordable housing and the first set of commercial housing below 90 square meters can be 20%, the down payment ratio for the first purchase of housing with a construction area of over 90 square meters is 30%, the down payment ratio for the second home loan is not less than 50%, and the third and above home loans are completely suspended. Third, differentiated tax policies implement real estate regulation. Strictly implement the Announcement of Guangzhou Local Taxation Bureau on Adjusting the Pre-levy Rate of Value-added Tax in Our City, implement differentiated land value-added tax, pre-levy ordinary commercial housing at the rate of 2% for affordable housing, and pay close attention to the real estate that is too fast in the accounting department in conjunction with the Land and Resources Bureau for inspection. The fourth is to expand housing security. After the housing for needy families is completed, the housing coverage will be gradually expanded, the construction of public rental housing will be accelerated through multiple channels, and the housing difficulties of sandwich floors will be properly solved. This is our opinion on the macro-control of real estate implemented by five ministries in the State Council and the State Council. The previous three sets of provident fund mortgages were completely suspended, which is also the conclusion that the third and above provident fund mortgages were completely suspended. In the Guangzhou version of the New Deal, in terms of loan restriction, commercial banks strictly implement differentiated housing credit policies, with the down payment ratio of the second home loan not less than 50% and the loan interest rate not less than 1. 1 times of the benchmark interest rate; The third and above mortgages were completely suspended. At the same time, commercial banks are prohibited from issuing consumer, floating housing loans and unspecified housing mortgage loans, and additional loans are required before full repayment. However, some experts believe that this round of Guangzhou New Deal only limits the number of sets, and the measures on provident fund mortgage will have a greater impact on the market. In addition to restricting purchases and tightening mortgages, the Guangzhou version of the New Deal has also strengthened the improvement of land value-added tax and the construction of affordable housing. It is reported that the tax rate of ordinary commercial housing is 2%, the tax rate of non-ordinary commercial housing is 3%, and the tax rate of villas is 4%.
Fourth, what is the house purchase restriction? Are there any restrictions on buying the first new house? You can't buy a house in that area without working in that area?
Who told you that? Local policies are different. Online city purchase restriction policy, purchase restriction is restriction. But in some places, you can buy it if you have money. The first set is the first set, generally buying a house.